I learned this one the hard way, so you’re asking the right question. Short answer, sometimes yes, sometimes no, but circulation matters either way. Problems usually happen when a strong chemical sits in one spot too long and creates a little chemistry war zone on the surface or floor.
For me the rule of thumb became about strength and form. Granular stuff is where dilution helps the most. Shock, stabilizer, calcium, even alkalinity increaser can clump and sink if you just toss it in, especially if the pump isn’t moving much water. When that happens you can get bleaching, cloudy patches, or rough spots. Pre-dissolving in a bucket gives you a more even dose and avoids hot spots. Acid is another one I never add straight in, low pH in one area can chew on plaster or vinyl fast.
Liquids are usually fine to add directly as long as circulation is good. I always make sure the pump is running and pour slowly around the perimeter instead of dumping it all in one place. In a spa, I’ll even split the dose and add it in two spots because the volume is so small. Heat and low water volume make reactions happen faster, so even “safe” chemicals can act aggressive if they sit still.
One thing that helped was sticking with the same product line, like aquadoc, so the dosing and behavior stayed predictable. Less guessing meant fewer mistakes. If you ever feel unsure, diluting first is the safer move. It might take an extra minute, but it’s a lot cheaper than fixing a bleached liner or rough surface later.